In observance of Martin Luther King, Jr. Day, Mass Bay Credit Union will be closed on Monday, January 19, 2026. As always, you are encouraged to use online and mobile banking, ATMs, or 24/7 telephone banking.
xDeposit Rates
| Account Type * | Minimum Balance To Open | Minimum Average Daily Balance to Earn APY | Annual Percentage Yield (APY) ** |
|---|---|---|---|
|
Main Share/Misc Share
|
$5
|
$5 - $499.99
|
0.03%
|
|
|
|
$500 - $9,999.99
|
0.05%
|
|
|
|
$10,000 - Above
|
0.10%
|
|
|
|||
|
Money Market
|
$10
|
$10 - $2,499.99
|
0.05%
|
|
|
|
$2,500 - $9,999.99
|
0.15%
|
|
|
|
$10,000 - $19,999.99
|
0.35%
|
|
|
|
$20,000 - $49,999.99
|
0.50%
|
| $50,000 - $99,999.99 | 0.60% | ||
| $100,000 - $249,999.99 | 0.80% | ||
| $250,000 - ABOVE | 0.80% | ||
|
|
|||
|
I.R.A Share
|
None
|
$0 - $499.99
|
0.03%
|
|
|
|
$500 - $9,999.99
|
0.05%
|
|
|
|
$10,000.00 - Above
|
0.10%
|
|
|
|||
|
NOW Checking
|
None | $5 |
0.03%
|
|
|
|||
|
Vacation Club
|
None
|
None |
0.05%
|
|
|
|||
|
Christmas Club
|
None
|
None |
0.05%
|
|
|
|||
|
Business Share
|
$25
|
$25 - $499.99
|
0.03%
|
|
|
|
$500 - $9,999.99
|
0.05%
|
|
|
|
$10,000 - Above
|
0.10%
|
|
|
|
|
|
|
Certificates Term ^
|
Minimum Balance To Open
|
Minimum Average Daily Balance To Earn APY
|
Annual Percentage Yield (APY)
|
|---|---|---|---|
|
3 Months
|
$500
|
$500
|
0.50%
|
|
6 Months
|
$500
|
$500
|
4.00%
|
| 10 Months | $500 | $500 | 3.00% |
|
12 Months
|
$500
|
$500
|
3.75%
|
|
14 Months
|
$500
|
$500
|
3.00%
|
|
16 Months
|
$500
|
$500
|
3.00%
|
|
17 Months
|
$500
|
$500
|
3.00%
|
|
18 Months
|
$500
|
$500
|
3.00%
|
|
24 Months
|
$500
|
$500
|
3.50%
|
|
28 Months
|
$500
|
$500
|
2.65%
|
|
36 Months
|
$500
|
$500
|
3.45%
|
|
48 Months
|
$500
|
$500
|
3.00%
|
|
60 Months
|
$500
|
$500
|
3.35%
|
|
IRA Certificates Term ^
|
Minimum Balance To Open
|
Minimum Average Daily Balance To Earn APY
|
Annual Percentage Yield (APY)
|
|---|---|---|---|
|
3 Months
|
$500
|
$500
|
0.50%
|
|
6 Months
|
$500
|
$500
|
4.00%
|
| 10 Months | $500 | $500 | 3.00% |
|
12 Months
|
$500
|
$500
|
3.75%
|
|
14 Months
|
$500
|
$500
|
3.00%
|
|
16 Months
|
$500
|
$500
|
3.00%
|
|
17 Months
|
$500
|
$500
|
3.00%
|
|
18 Months
|
$500
|
$500
|
3.00%
|
|
24 Months
|
$500
|
$500
|
3.50%
|
|
28 Months
|
$500
|
$500
|
2.65%
|
|
36 Months
|
$500
|
$500
|
3.45%
|
|
48 Months
|
$500
|
$500
|
3.00%
|
|
60 Months
|
$500
|
$500
|
3.35%
|
* Fees may reduce earnings.
** Rates are subject to change without notice.
+ Certificates may be subject to penalty for early withdrawal.
^ This account type has a $250,000 maximum deposit per Member.
Current Rates - Effective January 6, 2026.